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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $67,294 | $80,812-16.7% | $160,784-58.1% | $82,448-18.4% |
| Participation rate | 34.2% | 66.2%-32.0pp | 77.0%-42.7pp | 68.1%-33.9pp |
| Annual return | 20.08% | 100.59%-80.5pp | 1803.92%-1783.8pp | 41.64%-21.6pp |
| Employer contribution / active EE | $252 | $2,174-88.4% | $3,733-93.2% | $2,551-90.1% |
| Participant deferral / active EE | $2,471 | $4,335-43.0% | $6,293-60.7% | $4,139-40.3% |
| Admin fee / account holder | $1,857 | $7,695-75.9% | $9,717-80.9% | $7,234-74.3% |